Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses the 4000-character limit, that storage is platform-wide rather than per-wallet, that the operation is effectively write-only, and that it returns an index id. It omits auth requirements, rate limits, and whether entries are mutable, so not quite complete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.